Product Definition

　　Financing Guarantees refer to guarantees provided for financing-related payment obligations, arising from transactions with characteristics typical of financing contracts, including but not limited to ordinary loans, bonds, leasing, and binding credit limits, thus facilitating financing for the applicant.

　　Product Types

　　Financing guarantees mainly include loan guarantees, overdraft guarantees, etc.

　　Applicable Clients

　　Key business clients supported by Harbin Bank.

　　Application Conditions

　　1. Enterprises that are legally registered with a valid business license, having undergone annual inspections or possessing other valid documentation that verifies their legal operations and defined scope of business activities; possessing a loan card and an account opening permit, and having a settlement account opened at Harbin Bank.

　　2. Have a credit limit or deposited sufficient guarantee and counter-guarantees at Harbin Bank.

　　Processing Procedure

　　Guarantee Application

　　1. The applicant fills out the application form or contract for issuing the guarantee.

　　2. The applicant submits the required guarantee deposit or other counter-guarantees.

　　3. The applicant provides foundational documents related to the contract.

　　4. The applicant submits any other materials required by the bank for issuing the guarantee.

　　Guarantee Review and Issuance

　　1. The bank reviews the customer's qualifications, foundational transactions, and relevant documents.

　　2. The bank verifies the customer's guarantee deposit or credit limit and other collateral arrangements.

　　3. The bank reviews the written application for the guarantee and the format of the guarantee.

　　4. The guarantee is issued.